Best Reviewed Home Warranty Companies Nationwide 2025

2025 Home Warranty Annual Award Winner

HomeWarrantyReviews.com, a trusted name in the industry for decades, lets customer voices shine through its annual awards. Combining real-world experiences with expert analysis, these awards highlight the providers that homeowners truly trust. After reviewing over 25 home warranty companies, the Home Warranty Reviews team named Elite Home Warranty the best home warranty company nationwide. We trust Elite Home Warranty to protect your home due to its reliable services, most beneficial coverage benefits and consumer centric approach, and you should too.

Why Homeowners Trust Elite Home Warranty?

Elite Home Warranty isn’t just another provider, they are setting a new standard in the industry. Here’s why thousands of homeowners trust Elite Home Warranty every day:

Top Rated Customer Satisfaction: 4.9/5 stars across verified platforms including BBB, Home Warranty Companies, Consumera, Google and more.
Affordable Pricing: Competitive rates with no hidden fees, surprise charges, or misleading fine print.
Efficient Claims Process: 90% of claims are processed within 24 to 48 hours, with real time status updates.
Best in Class Coverage That Actually Works: Elite offers the best coverage benefits with some go the highest limits in the industry, with trusted protection when you need it most.
Award-Winning Support Team: Friendly, U.S.-based claims concierge available 7 days a week to help you every step of the way.

Home Warranty: What Is It? What Does It Cover?

A home warranty is like an insurance plan for your home's major appliances and systems. It covers repair or replacement costs when they break down due to normal wear and tear.

Here are some of the most common home warranty plans offered by home warranty companies and items covered by them.

Appliance Plan

Protect your home's essential appliances like refrigerator, washer, dryer, and oven from breakdowns. Enjoy peace of mind with repairs or replacements covered.

Appliance Plan

Refrigerator
Oven
Dishwasher
Washer & Dryer
Garbage Disposal
Range Hood
Cooktop
Ceiling Fan
And more!

Systems Plan

Protect your home's core functions. Covers plumbing, electrical, HVAC systems, and more. Avoid costly, unexpected breakdowns and keep your home running smoothly.

Systems Plan

Plumbing
Electrical
Heating & Cooling (HVAC)
Water Heater
Ductwork
Garbage Disposal
Garage Door Opener
And more!

Combination Plan

Get the best of both worlds! This comprehensive plan covers appliances and systems, offering complete protection for your home.

Combination Plan

Combines all the items listed under the Appliance Plan and Systems Plan, providing complete home coverage.

Is Home Warranty Useful? Who Needs It?

A home warranty offers the following benefits:

Financial Protection: Covers repair or replacement costs for covered appliances and systems, saving you money.
Peace of Mind: Avoid repair stress and unexpected bills.
Budgeting Advantage: Predictable monthly payments can aid budgeting.
Expert Service: Warranties often use qualified technicians for repairs.

The usefulness of a home warranty depends mainly on the age and condition of the home. Here's a breakdown of how useful a home warranty can be to you depending on your home’s age:

	Pros	Cons
New Home	Limited use as new homes typically come with builder warranties (check duration and coverage). The builder’s warranty plans offer peace of mind for unexpected breakdowns beyond.	It may not be cost-effective as major breakdowns are less likely in new homes.
Middle-Aged Homes (5-15 Years)	More potential value as appliances and systems start aging. Home warranty plans can protect against costly repairs and offer budget predictability.	Consider exclusions for pre-existing conditions and coverage limits. Carefully evaluate cost vs. potential repairs.
Old Homes (15+ Years)	Home warranties can be highly valuable as breakdowns are more likely. It provides financial protection and potentially saves money on repairs.	Home warranties may charge higher premiums due to increased risk. Careful review of exclusions and coverage limits is crucial.

New Home

Middle-Aged Homes (5-15 Years)

Old Homes (15+ Years)

Pros	Cons
Limited use as new homes typically come with builder warranties (check duration and coverage). The builder’s warranty plans offer peace of mind for unexpected breakdowns beyond.	It may not be cost-effective as major breakdowns are less likely in new homes.
More potential value as appliances and systems start aging. Home warranty plans can protect against costly repairs and offer budget predictability.	Consider exclusions for pre-existing conditions and coverage limits. Carefully evaluate cost vs. potential repairs.
Home warranties can be highly valuable as breakdowns are more likely. It provides financial protection and potentially saves money on repairs.	Home warranties may charge higher premiums due to increased risk. Careful review of exclusions and coverage limits is crucial.

Home warranty plans are useful for all homeowners but are more useful to some people than others. Here is a list of people who can benefit from home warranty coverage:

First-Time Homeowners

Peace Of Mind

Knowing repairs are covered reduces stress and anxiety, especially for new homeowners unfamiliar with potential issues.

Budget Predictability

Fixed monthly payments ease budgeting and avoid unexpected repair costs.

Protection Against Unknown Issues

Covers breakdowns due to pre-existing conditions that might not be readily apparent to first-time owners.

Young Couples

Financial Protection

Unexpected repairs can strain young couples' finances. Warranties offer backup and prevent major financial burdens.

Convenience

Warranties handle repair arrangements, saving time and effort, which is especially valuable for busy couples.

Negotiation leverage

Some plans offer discounts on covered repairs, potentially saving even more.

Lower-Middle-Class Families

Affordability

Some plans are relatively affordable, offering valuable protection without breaking the bank.

Reduced Financial Stress

Prevents large, unexpected repair bills that can derail budgets for lower-income families.

Access To Qualified Technicians

Warranties ensure repairs are done by qualified professionals, potentially saving money on quality work.

Old-Aged People

Reduced Stress

Warranties handle claim processes and repairs, alleviating stress and worry for technology-uncomfortable individuals.

Avoidance Of Scams

Warranties provide pre-vetted technicians, reducing the risk of falling victim to home repair scams.

Accessibility

Some companies offer phone-based customer service for those less comfortable with online platforms.

How Do You Identify Trustworthy Home Warranty Companies?

It is essential to understand the risk profile each type of home warranty poses, and the general red flags in the industry to identify trustworthy home warranty companies

Risk Assessment Of Different Types Of Home Warranty Companies

The table below shows the risk assessment of different types of home warranty companies in the industry:

Prominent Home Warranty Companies

Characteristics

Established reputation and track record.
Strong financial stability
Positive customer reviews

Risk Factors

Comparitively lower risk
Potential for customer service issues
Exclusion clauses can be difficult to understand
May have complex plan structures

Examples

American Home Shield, Choice Home Warranty, and First American Home Warranty

Aspiring Companies

Characteristics

Growing market share and innovation
Competitive pricing options
Focus on specific customer segments

Risk Factors

Moderate risk
Limited customer experience data
Unclear financial stability
Aggressive marketing tactics

Examples

HomeServe USA, Liberty Home Guard, and Select Home Warranty

New Entrants

Characteristics

Limited operational history and reputation
Aggressive customer acquisition strategies
Unclear information on exclusions and limitations

Risk Factors

High risk
Unproven ability to deliver promised services
Untested claim processing procedures Difficulty finding independent reviews
Potential for hidden fees
No affiliation with recognized industry organizations

Examples

SilverBack Home Warranty, Everything breaks, Ibex Home Warranty, and United Home Warranty

Suspicious Companies

Characteristics

Unsolicited contact and high-pressure sales tactics
Upfront payment demands
Poor online reputation and reviews

Risk Factors

Unrealistic discounts and guarantees
Unlicensed or operating outside required legal jurisdictions
Vague plan details and exclusions
Difficulty finding company information
No clear cancellation policy

Examples

Globe home warranty, Superior Home Warranty, and Utilipro

Potential red Flags To Make Note

Here are some of the potential red flags to be aware of:

High-Pressure Sales Tactics: Be wary of companies that pressure you into signing up immediately without time to review the plan details.
Unrealistic Promises: It is probably unrealistic if it sounds too good to be true. Avoid companies promising overly extensive coverage at suspiciously low prices.
Upfront Payments: Reputable companies typically allow you to pay monthly or annually, not upfront, for the entire contract.
Vague Or Evasive Answers: If the company avoids answering your questions directly or provides unclear information, it's a red flag.

How To Identify Trustworthy Companies?

Here are some essential points to remember to identify trustworthy companies:

Start With Established Companies:
Look for companies with a solid track record and good customer reviews. Check independent review websites like BBB (Better Business Bureau), Consumer Reports, and Trustpilot.
Read The Fine Print:
Carefully review the plan details, exclusions, coverage limits, and claim process before signing up. Ask questions if anything is unclear.
Compare Plans And Pricing:
Don't settle for the first quote. Compare plans from different reputable companies to find the best fit for your needs and budget.
Check For Licensing And Certifications:
Ensure the company holds the necessary licenses required in your state.
Look For Industry Affiliations:
Membership in reputable organizations like the National Home Service Contract Association (NHSCA) can indicate better practices.
Contact Your State's Consumer Protection Agency:
They can provide information on any complaints filed against the company.

By following these tips and researching, you can increase your chances of finding a trustworthy home warranty company and avoid falling victim to scams.